I have Admiral platinum plus annual multi trip cover. The policy quote is

Missed international departure (outbound or return journey)
We will pay up to the policy limits shown in your policy schedule to cover reasonable expenses for additional accommodation and travel if you fail to arrive at your point of international departure (or departure point of any pre-booked connecting public transport abroad),in time to board your pre-booked aircraft, ship or train as a result of:
y failure or delays to scheduled public transport (excluding taxis) in which you are travelling, including a connecting scheduled flight running late where it does not form part of a through booking
y an accident or breakdown of the vehicle in which you were travelling
y an accident or breakdown happening ahead of you on a motorway or dual carriageway
which causes an unexpected delay
y strike, industrial action or adverse weather conditions